Numbers don't lie

†Consists of all active Citizens checking account customers as of 3/13/2023. Subject to change before or after account opening.

^ΔNerdWallet rating as of 12/13/2021. App Store rating as of 3/13/2023 and subject to change before or after account opening. Ratings are out of 5 star total rating scale. Ratings are for informational purpose only. NerdWallet rating is for all Citizens Checking, Savings and CDs. Mobile App rating is for Apple App Store™ Citizens Bank Mobile Banking.

* CitizensPlus™ benefits cannot be applied in addition to other promotional benefits or discounts that we may offer from time to time. In order to qualify or maintain CitizensPlus, you must maintain an open and active Citizens Quest™ or Citizens Private Client ™ Checking account. We may evaluate accounts periodically to determine qualifications and have the right to remove benefits based on failure to meet qualifications. Benefits subject to change.

**Earn 5% in cash back rewards (inclusive of your standard cash back rewards) for eligible purchases made in the gas, restaurant, and travel merchant categories, from account opening date through December 31, 2023, on up to $2,500 spent per quarter with your NEW Citizens Cash Back Plus™ World Mastercard. To qualify, you must open a new Citizens Cash Back Plus™ World Mastercard® account between May 22, 2023 and June 30, 2023. Please remember that purchases are submitted and categorized by the merchant. Merchants are assigned a merchant code, which is determined by the merchant or its processor based on the products and services they primarily sell. Citizens does not choose the merchant code or control how purchases are classified. A purchase will not receive the additional 3.2% cash back if the merchant's code is not eligible. See a Citizens banker for details. Certain transactions do not qualify for cash back rewards. For example, balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash back rewards. Please refer to your Reward Guide for complete program terms and conditions. A) Cash Back Rewards will not expire as long as your credit card account is in good standing and you make an eligible purchase once every twelve (12) months. Program subject to change. B) You are solely responsible for any taxes that may be owed as a result of cash back rewards earned and/or redeemed under this card. Please consult your tax advisor. C) Other terms may apply and will be included in the Agreement.

‡ Multi-Year Approval: Funds available for future use are subject to a soft credit inquiry at time of your next request to verify continued eligibility. After we make the initial Loan to you, we may refuse to allow you to take out additional loans under the Multi-Year Approval feature, terms and conditions will be outlined in your promissory note.

1 If you are a Citizens Personal Checking, Savings or Money Market account customer that has set up a direct deposit with a payor, you may be able to get that direct deposit up to two days early with Citizens Paid Early™. Whether a direct deposit is eligible for Citizens Paid Early™ is at our discretion and we cannot guarantee that you will always receive the Citizens Paid Early™ service.

2 Overdraft Fees will be reversed if your account is overdrawn, and you deposit enough funds to bring your account to a positive available balance (minus overdraft fees) by 10:00 PM ET the following business day. All deposits are subject to our Funds Availability schedule. Learn more at citizensbank.com/peace-of-mind

3 Non-Citizens ATM owners may charge a fee.

4 Deposit boosters exclude certificate of deposit (CD) rates. Citizens Quest and Citizens Private Client Deposit Rate Boosters do not apply to other promotional rate offers.

5 Investment Boost Citizens Quest Checking: To earn a match of up to $1000, open and fund a new managed money relationship with Citizens Securities, Inc./ Clarfeld (excluding Specifi). For purposes of this offer, the qualifying balance shall mean incoming assets (including cash and securities) that remain on deposit for 90 days following investment account opening (the “accumulation period”). Qualifying assets transferred in totaling $200,000.00 will receive the full $1,000 match. Qualifying assets transferred in less than $200,000.00 will receive a 0.50% match that will be calculated at the end of the accounts 90 day accumulation period.  Qualifications: You must have a Citizens Quest checking account and a Citizens Securities, Inc. or Clarfeld – (excluding Specifi) managed money investment account, both must be open and active for 60 days following your Citizens Securities/Clarfeld, Inc investment account accumulation period. Eligibility: One-time promotional bonus is available only to one individual per household. Household must be new to Citizens Securities, Inc/Clarfeld, to qualify for the bonus. Household for this CitizensPlus offer is defined as individuals residing at the same address. Bonus will be deposited to a Citizens Quest checking account within 60 days following the above noted 90 day accumulation period and will be labeled as “Balance Builder Bonus.” Bonus will be reported to the IRS for income tax purposes.

6 Investment Boost Citizens Private Client Checking: To earn a match of up to $2,000, open and fund a new managed money relationship with Citizens Securities, Inc./ Clarfeld (excluding Specifi). For purposes of this offer, the qualifying balance shall mean incoming assets (including cash and securities) that remain on deposit for 90 days following investment account opening (the “accumulation period”). Qualifying assets transferred in totaling $200,000.00 will receive the full $2,000 match. Qualifying assets transferred in less than $200,000.00 will receive a 1.00% match that will be calculated at the end of the account’s 90 day accumulation period. Qualifications: You must have a Citizens Private Client Checking account and a Citizens Securities, Inc. or Clarfeld – (excluding Specifi) managed money investment account, both must be open and active for 60 days following your Citizens Securities/Clarfeld, Inc. investment account accumulation period. Eligibility: One-time promotional bonus is available only to one individual per household. Household must be new to Citizens Securities, Inc./Clarfeld, to qualify for the bonus. Household for this CitizensPlus offer is defined as individuals residing at the same address. Bonus will be deposited to a Citizens Private Client Checking account within 60 days following the above noted 90 day accumulation period and will be labeled as “Balance Builder Bonus.” Bonus will be reported to the IRS for income tax purposes.

7 Cash Back Plus Rewards: The Cash Back Plus Rewards Program is governed by the terms and conditions set forth in the Reward Guide. You will receive the Reward Guide with your Cardholder Agreement. The Reward Guide will explain the program, including the following: A) Earn cash back rewards on all eligible net purchases. A net purchase is the amount of a purchase less any credits, returns and adjustments. Certain transactions do not qualify for cash back rewards. For example, balance transfers, cash advances, account fees or charges, interest charges, life insurance charges, money orders, wire transfers, lottery tickets, gambling charges, or unauthorized charges to your account do not earn cash back rewards. Please refer to your Reward Guide for complete program terms and conditions. B) Cash Back Rewards will not expire as long as your credit card account is in good standing and you make an eligible purchase once every twelve (12) months. C) Program subject to change. D) You are solely responsible for any taxes that may be owed as a result of cash back rewards earned and/or redeemed under this card. Please consult your tax advisor. E) Other terms may apply and will be included in the Agreement.

8 Credit Card — Citizens Quest: When you spend ten thousand dollars or more on your card annually, you will earn Bonus Points of 0.10% for every dollar spent on eligible net purchases. Annual spend based on your Cash Back Plus Credit Card Account anniversary. These Bonus Points are exclusive to Citizens Quest® Checking Customers and are subject to Citizens Quest Checking account approval and ongoing program qualification requirements. If you are eligible for Bonus Points, this bonus will be paid in the month following your Cash Back Plus Credit Card anniversary and will include all bonus points earned during the previous year. This Rewards Program and additional bonus points are subject to Citizens Quest Checking account approval and ongoing program qualification requirements.

9 Mortgage Auto-Pay Discount: In the following states: NH, VT, MA, RI, CT, NY, NJ, DE, PA, OH, MI , a Citizens consumer checking account set up with automatic monthly payment deduction and e-statement enrollment is required at time of loan origination to be eligible for a 0.125 percentage point mortgage interest rate discount. All other states require a consumer checking account set up with automatic monthly mortgage payment deduction. E-statement enrollment is required at time of loan origination to be eligible for the 0.125 percentage point interest rate discount. One offer per property. Not applicable to Bond or CRA loan programs. Other exclusions and restrictions may apply.

10 Mortgage Closing Costs Closing cost discount offer cannot be combined with other closing cost discount offers. Borrower or co-borrower on mortgage application must be listed as account holder on Citizens Private Client Checking or Citizens Quest Checking account in order to be eligible for the discount. Checking account must be opened prior to mortgage loan closing.

11 Home Equity Line of Credit Auto-Pay Discount: Save 0.25% off your rate for customers with a Citizens consumer checking account, set up with automatic monthly payment deduction at the time of origination.

12 Home Equity Line of Credit: Variable Annual Percentage Rate (“APR”) based on The Wall Street Journal Prime Rate (“Prime”) published on the last business day of the prior month (8.25% APR as of 5/31/2023). Maximum APR 21%. Minimum APR cannot be lower than 2.50%. Eligible properties include owner-occupied 1-to 4-family properties, condominiums and second/vacation homes. Ineligible properties include, but are not limited to: investment property (defined as non-owner-occupied property), a co-op, mobile home or manufactured housing. Property must be located in AL, AR, CT, DC, DE, FL, GA, IA, IL, IN, KY, MA, MD, ME, MI, MN, NC, NE, NH, NJ, NY, OH, OK, PA, RI, SC, SD, TN, VA or VT. Rate and terms are subject to change and credit approval. Home equity lines of credit are available in first or second lien positions. Not available for homes currently for sale. Homes previously listed for sale must be off the market for at least 90 days prior to application. Property insurance required. Flood insurance may be required. The Annual Fee is waived for the Citizens Home Equity Line of Credit if you have a Citizens Private Client Checking or Citizens Quest Checking account open and active at the anniversary of your Credit Line when the Annual Fee would be assessed. If you do not meet this requirement, the Annual Fee of $50 will be charged to your Credit Line Account. Citizens offers Home Equity Lines of Credit as low as $17,500, but terms may vary.

13 HELOC/Private Client Discount: Citizens Private Client Checking customers will receive 0.25% off their offered home equity line of credit (HELOC) interest rate if they have an open Citizens Private Client Checking account at the time their Citizens HELOC application is submitted.

14 Student Education Refinance Automatic Payment Discount: Borrowers will be eligible to receive a 0.25 percentage point interest rate reduction on their student loans owned by Citizens Bank, N.A. during such time as payments are required to be made and our loan servicer is authorized to automatically deduct payments each month from any bank account the borrower designates. Discount is not available when payments are not due, such as during forbearance. If our loan servicer is unable to successfully withdraw the automatic deductions from the designated account three or more times within any 12-month period, the borrower will no longer be eligible for this discount.

15 Education Loyalty Discount: The borrower will be eligible for a 0.25 percentage point interest rate reduction on their loan if the borrower or their co-signer (if applicable) has a qualifying account in existence with us at the time the borrower and their co-signer (if applicable) have submitted a completed application authorizing us to review their credit request for the loan. The following are qualifying accounts: any checking account, savings account, money market account, certificate of deposit, automobile loan, home equity loan, home equity line of credit, mortgage, credit card account, or other student loans owned by Citizens Bank, N.A. Please note, our checking and savings account options are only available in the following states: CT, DC, DE, FL, MA, MD, MI, NH, NJ, NY, OH, PA, RI, VA, and VT and some products may have an associated cost. This discount will be reflected in the interest rate disclosed in the Loan Approval Disclosure that will be provided to the borrower once the loan is approved. Limit of one Loyalty Discount per loan and discount will not be applied to prior loans. The Loyalty Discount will remain in effect for the life of the loan.

SpeciFi ℠ is made available through CSI. Portfolio management services are sub-advised by SigFig Wealth Management, LLC (“SigFig”), an SEC registered investment adviser. SigFig is not an affiliate of CSI, or Citizens Bank, N.A..

Citizens Wealth Management is comprised of both banking and brokerage affiliated companies.

Mortgages are offered and originated by Citizens Bank, N.A. (NMLS ID# 433960). All loans are subject to approval.

Credit cards are issued by Citizens Bank, N.A.
Home Equity Lines of Credit are offered and originated by Citizens Bank, N.A. NMLS ID# 433960 Equal Housing Lender Member FDIC.
Banking products are offered through Citizens Bank, N.A. Deposit accounts held at Citizens Bank, N.A. are separately insured.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

Securities, Insurance and Investment Advisory Services offered through Citizens Securities, Inc. ("CSI"). CSI is an SEC registered investment adviser and Member - FINRA and SIPC. One Citizens Bank Way, JCB135, Johnston, RI 02919. CSI is an affiliate of Citizens Bank, N.A.